Common use of SCOPE OF THIS AGREEMENT Clause in Contracts

SCOPE OF THIS AGREEMENT. 3.1 Your Card is an e-money prepaid card; it is not a credit, charge or debit card. 3.2 Your Card has been issued by us pursuant to licence from Mastercard. The Card is an electronic money product and the electronic money associated with it is provided by us and will be in Pounds Sterling. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporated. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The Card remains our property. 3.3 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 You agree that we may communicate with you by e-mail and/or via SMS and/or App notifications for issuing any notices or information about your Account or Card and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated via My Account. 3.5 If you wish to make use of an Authorised Account Information Services Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Account and your Account is active. We advise that before using an Authorised Account Information Service Provider, you ensure that the Authorised Account Information Service Provider is authorised by a Regulator to provide Account Information Services. In 3.6 If an Authorised Account Information Services Provider requests access to your Account to provide you with Account Information Services using your My Account credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstances. 3.7 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 If you do not wish to use Account Information Services provided by an Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account credentials with an Authorised Account Information Service Provider.

SCOPE OF THIS AGREEMENT. 3.1 2.1. Your Card is an e-money prepaid card; it Card. This is not a credit, charge or debit card. 3.2 2.2. Your Card has been issued by us pursuant to licence from Mastercard. The Card is an electronic money product and the electronic money associated with it is provided by us and will be in Pounds Sterling. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporatedus. Your rights and obligations relating to the use of this Card are subject to set out in this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the Card Card, you should contact Customer Services. 2.3. The e-money associated with this Card will be issued in Great Britain Pounds and is issued to you by us and distributed by the Programme Manager. The Card remains our property. 3.3 2.4. This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 2.5. You agree that we may communicate with you by e-mail and/or via SMS and/or App notifications for issuing any notices or information about your Account or Card and therefore it is important that Card. Therefore you ensure you keep your must provide a valid e-mail address on application and mobile phone number updated via My Accountkeep it updated. If your contact information changes you must promptly notify Customer Services. 3.5 2.6. If you wish to make use of an Authorised Account Information Services Service Provider to provide you with Account Information Services on in relation to your Account, you may do so provided that you have signed up to use My Account and your Account is active. We advise that before using an Authorised Account Information Service Provider, you ensure that the Authorised Account Information Service Provider is authorised by a Regulator to provide Account Information Services. In 3.6 If an In the UK, the Financial Conduct Authority’s register (available at xxxxx://xxxxxxxx.xxx.xxx.xx/) will tell you whether a company is authorised. You must provide your explicit consent to the Authorised Account Information Services Service Provider requests access to your Account in order for them to provide you with Account Information Services using Services. You should always consider the implications of sharing your My Account credentials, we will assume that you have given consent to do socredentials and your personal information. 2.7. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstancescircumstances relating to the unauthorised or fraudulent access to the Account by that Authorised Account Information Service Provider. 3.7 2.8. If we refuse to provide access to allow an Authorised Account Information Services Service Provider to access your Account, we will inform notify you immediately after of the refusal to explain whyand the reasons for it , unless that providing this information would break the law compromise our reasonable security measures or we have security reasons not to do sowould otherwise be unlawful. 3.8 2.9. If you do not wish to use Account Information Services provided by an in relation to your Account you should not provide your explicit consent to the Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account credentials with an that offers those services. An Authorised Account Information Service Provider.Provider should allow you to withdraw your consent at any time. If you wish to withdraw your consent but have not been able to do so directly with the Authorised Account Information Service Provider then you should contact us using the contact details in clause 22..

SCOPE OF THIS AGREEMENT. 3.1 Your Card is an e-money prepaid card; it is not a credit, charge or debit card. 3.2 Your Card has been issued by us pursuant to our licence from Mastercard. The Card is an electronic money product and the electronic money associated with it is provided by us and will be in Pounds Sterlingpounds sterling. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporated. Your rights and obligations relating to the use of this Card and Account are subject to this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The Card remains our property. 3.3 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 You agree that we may communicate with you by e-mail and/or via SMS and/or App via the Self Service Account Management Portal notifications for issuing any notices or information about your Account or Card and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated via My Accountthe Self Service Account Management Portal. 3.5 If you wish to make use of services provided by an Authorised Account Information Services Third Party Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Self Service Account Management Portal and your Account is active. We advise that before using an Authorised Account Information Service Third Party Provider, you ensure that the Authorised Account Information Service Third Party Provider is authorised by a Regulator to provide their services. In the UK, the Financial Conduct Authority’s register (available at xxxxx://xxxxxxxx.xxx.xxx.xx/) will tell you whether a company is authorised. You must provide your explicit consent or share your Self Service Account Information ServicesManagement Portal credentials with the Authorised Third Party Provider each time an access to your Account is required for them to provide you with their services. InYou should always consider the implications of sharing your Self Service Account Management Portal credentials and your personal information. 3.6 If an Authorised Account Information Services Third Party Provider requests access to your Account to provide you with Account Information Services their services using your My Self Service Account Management Portal credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Third Party Provider and can only refuse access in certain circumstances. 3.7 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 If you do not wish to use Account Information Services services provided by an Authorised Account Information Service Third Party Provider on your Account, you simply refuse to provide your consent or refuse to share your My Self Service Account Management Portal credentials with an Authorised Third Party Provider. 3.8 If you have a Restricted Account you can only use services provided by an Account Information Service Provider.

SCOPE OF THIS AGREEMENT. 3.1 Your Card Account is an e-money account held in pounds sterling. Your Card associated with your Account will be a prepaid card; it is not a credit, charge or debit card. 3.2 Your Card has been issued by us pursuant to licence from Mastercard. The Card Account is an electronic money product and the electronic money associated with it stored on your Account is provided issued by us PPS and will be in Pounds Sterlingdistributed and administered by Countingup as an agent for PPS. We are PPS is authorised and regulated by the Financial Conduct Authority for the issuance of FCA as an electronic money institution with permission to issue e-money and provide payment services (FRN firm reference number 900010). 3.3 Your Card is issued by us pursuant to our licence from Mastercard. Mastercard is a registered trademark, and the ‘circles design’ is a trademark of Mastercard International Incorporated. Your Card remains our property. 3.4 Your rights and obligations relating to the use of this your Account and Card are subject to as set out in this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the your Account and/or Card you should contact Customer Services. The Card remains our property. 3.3 3.5 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 3.6 You agree that we may communicate with you by e-mail and/or mail, SMS or via SMS and/or App notifications the Countingup Apps for issuing any notices or information about your Account or Card and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated via My Accountthe Countingup Apps. 3.5 3.7 If you wish to make use of services provided by an Authorised Account Information Services Third Party Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Account Countingup Apps and your Account is active. We advise that before using an Authorised Account Information Service Third Party Provider, you ensure that the Authorised Account Information Service Third Party Provider is authorised by a Regulator to provide their services. In the UK, the Financial Conduct Authority’s register (available at xxxxx://xxxxxxxx.xxx.xxx.xx/) will tell you whether a company is authorised. You must provide your explicit consent or share your Countingup Apps credentials with the Authorised Third Party Provider each time access to your Account Information Servicesis required for them to provide you with their services. InYou should always consider the implications of sharing your Countingup Apps credentials and your personal information. 3.6 3.8 If an Authorised Account Information Services Third Party Provider requests access to your Account to provide you with Account Information Services their services using your My Account Countingup Apps credentials, we will assume that you have given consent for them to do so. Please note that we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Third Party Provider and can only refuse access in certain circumstances. 3.7 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 3.9 If you do not wish to use Account Information Services services provided by an Authorised Account Information Service Third Party Provider on your Account, you may simply refuse to provide your consent or refuse to share your My Account Countingup Apps credentials with an Authorised Account Information Service Third Party Provider.

SCOPE OF THIS AGREEMENT. 3.1 2.1 Your Card is an e-money prepaid card; it . This is not a credit, charge or debit card. 3.2 2.2 Your Card has been issued by us pursuant to a licence from MastercardMastercard International Incorporated. The Card is an electronic money product and the electronic money associated with it is provided by us and will be in Pounds Sterling. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporated. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against Mastercard International Incorporated or its respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The Card remains our property. 3.3 2.3 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 2.4 You agree that we may communicate with you by e-mail and/or mail, SMS or via SMS and/or App notifications My Account for issuing any notices or information about your Account or Card and therefore it is important that you register for My Account and ensure you keep your e-mail address and mobile phone number updated via My Account. 3.5 2.5 If you wish to make use of an Authorised Account Information Services Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Account and your Account is active. We advise that before using an Authorised Account Information Service Provider, you ensure that the Authorised Account Information Service Provider is authorised by a Regulator to provide Account Information Services. InIn the UK, the Financial Conduct Authority’s register (available at xxxxx://xxxxxxxx.xxx.xxx.xx/) will tell you whether a company is authorised. You must provide your explicit consent or share your My Account credentials with the Authorised Account Information Service Provider each time an access to your Account is required for them to provide you with Account Information Services. You should always consider the implications of sharing your My Account credentials and your personal information. 3.6 2.6 If an Authorised Account Information Services Provider requests access to your Account to provide you with Account Information Services using your My Account credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstances. 3.7 2.7 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 2.8 If you do not wish to use Account Information Services provided by an Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account credentials with an Authorised Account Information Service Provider.

SCOPE OF THIS AGREEMENT. 3.1 Your Card 2.1 Depending on the Monese Account you choose, your Monese Account is an e-money account held in a Monese GBP Account (in pounds sterling), a Monese Euro Account (in euros) or a Monese XXX Account (in XXX). If you choose to have a Monese Card that is associated with your Monese Euro Account or your Monese GBP Account, the Monese Card will be a prepaid card; it is debit card not a creditcredit card, a charge card or debit card. If you choose to have a Monese Card that is associated with your Monese XXX Account, the Monese Card will be a debit card not a credit card or a charge card. 3.2 Your Card has been issued by us pursuant to licence from Mastercard. 2.2 The Card Monese Account is an electronic money product and the electronic money associated with it stored in the Monese Account is provided issued by us PPS and will be in Pounds Sterling. We distributed and administered by Xxxxxx as agent for PPS. 2.3 All Monese Cards are regulated issued by the Financial Conduct Authority for the issuance of electronic money (FRN 900010)PPS pursuant to PPS’ licence from Mastercard. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Your Monese Card remains PPS’s property. 2.4 Your rights and obligations relating to the use of this your Monese Account and Monese Card are subject to as set out in this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the your Monese Account and/or Monese Card you should contact Customer Services. The Card remains our property. 3.3 2.5 This Agreement is written and available only in English and we undertake any other language in which you are able to communicate use the Monese App. All our communications with you relating to this Agreement, the Monese Account and any Monese Card will be in English regarding or the language you have selected in the Monese App. In case of any aspect discrepancy or misinterpretation the English version of your Card or Accountthese Terms and Conditions will prevail in all circumstances. 3.4 2.6 You agree acknowledge that we may communicate with you by e-mail and/or via SMS and/or via the Monese App when we provide you with any service notifications for issuing any notices or other information about your Monese Account or Card and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated via My Accountthe Monese App. You may download a copy of this Agreement from our website (xxx.xxxxxx.xxx/xxxxx). 3.5 2.7 If you wish to make use of services provided by an Authorised Account Information Services Third Party Provider to provide you with Account Information Services on your Monese Account, you may do so provided that you have signed up to use My Account and the Monese App, your Monese Account is active, and you have given the necessary consents which the Authorised Third Party Provider is required by Applicable Laws and Regulations to obtain from you in order to provide their services. We advise that before using an Authorised Account Information Service Third Party Provider, you ensure that the Authorised Account Information Service Third Party Provider is authorised by a Regulator regulator to provide Account Information Services. Intheir services. 3.6 If 2.8 Once you have given your consent to an Authorised Account Information Services Third Party Provider requests access to your Account to provide you with Account Information Services using your My Account credentials, we will assume that you have given consent to do so. Please note their services we are obliged to provide access to your Monese Account if it is requested by an Authorised Account Information Service Third Party Provider and can only refuse access in certain circumstances. 3.7 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 2.9 If you do not wish to use Account Information Services services provided by an Authorised Account Information Service Third Party Provider on your Monese Account, you simply refuse to provide your consent or refuse to share your My Account credentials with an Authorised Account Information Service Third Party Provider.

SCOPE OF THIS AGREEMENT. 3.1 3.1. Your Tide Card is an e-money prepaid card; it is card and not a credit, charge or debit card.card.‌ 3.2 3.2. Your Tide Card has been issued by us pursuant to our licence from Mastercard. The Card Tide GBP E-Money Account is an electronic money product and the electronic money associated with it is provided by us and distributed and administered by Tide as agent of PPS. Your Tide Card is linked to a specified Tide GBP E-Money Account. If you have an account accessible via the Tide Platform (including for example an electronic money account) in a currency other than GBP, your Tide Card will not be linked to this account. This is important to note in Pounds Sterlingrespect of any foreign transaction fees you may incur. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporated. Your rights and obligations relating to the use of this Tide Card are subject to this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the Tide Card you should contact Customer Services. The Tide Card remains our property. 3.3 3.3. This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card Tide Card, Tide GBP E-Money Account or AccountPPS Payments. 3.4 3.4. You agree that we may communicate with you by e-mail and/or via SMS and/or App notifications via the Tide Platform for issuing any notices or information about your Account Tide GBP E-Money Accounts, your Tide Card or Card PPS Payments and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated via My Accountthe Tide Platform. 3.5 3.5. If you wish to make use of services provided by an Authorised Account Information Services Third Party Provider to provide you with Account Information Services on your Tide GBP E-Money Account, you may do so provided that you have signed up to use My Account the Tide Platform and your Tide GBP E-Money Account is active. We advise that before using an Authorised Account Information Service Third Party Provider, you ensure that the Authorised Account Information Service Third Party Provider is authorised by a Regulator to provide their services. In the UK, the Financial Conduct Authority’s register (available at xxxxx://xxxxxxxx.xxx.xxx.xx/) will tell you whether a company is authorised. You must provide your explicit consent or share your Tide Platform credentials with the Authorised Third Party Provider each time an access to your Tide GBP E-Money Account Information Servicesis required for them to provide you with their services. InYou should always consider the implications of sharing your Tide Platform credentials and your personal information. 3.6 3.6. If an Authorised Account Information Services Third Party Provider requests access to your Tide GBP E- Money Account to provide you with Account Information Services their services using your My Account Tide Platform credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Tide GBP E-Money Account if it is requested by an Authorised Account Information Service Third Party Provider and can only refuse access in certain circumstances. 3.7 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 3.7. If you do not wish to use Account Information Services services provided by an Authorised Account Information Service Third Party Provider on your Tide GBP E-Money Account, you simply refuse to provide your consent or refuse to share your My Account Tide Platform credentials with an Authorised Account Information Service Third Party Provider.

SCOPE OF THIS AGREEMENT. 3.1 2.1 Your Gift Card is an e-electronic money prepaid card; it Gift Card. This is not a credit, charge or debit cardcard and no interest will accrue on the Available Balance on the Gift Card. 3.2 2.2 Your Gift Card has been issued by us PrePay Technologies Limited pursuant to a licence from MastercardMastercard International Incorporated. The Card is an electronic money product and the electronic e-money associated with it this Gift Card is provided to you by us us, and will be denominated in Pounds Sterlingpounds sterling. We are PrePay Technologies Limited is authorised and regulated by the Financial Conduct Authority (FRN 900010) for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporatede-money. Your rights and obligations relating to the use of this Gift Card are subject to set out in this Agreement Agreement, which is between you and us; you . You have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The Card remains our property.against 3.3 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 2.3 You agree that we may communicate with you by e-mail and/or via SMS and/or App notifications via Myaccount for issuing any notices or information about your Account or Gift Card and therefore it is important that you ensure that you register your Gift Card and keep your e-mail address and mobile phone number updated via My AccountMyaccount. 3.5 2.4 If you wish to make use of services provided by an Authorised Account Information Services Service Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Account Myaccount and your Account is active. We advise that before using an Authorised Account Information Service Third Party Provider, you ensure that the Authorised Account Information Service Third Party Provider is authorised by a Regulator to provide Account Information Servicestheir services. InIn the UK, the Financial Conduct Authority’s 3.6 2.5 If an Authorised Account Information Services Service Provider requests request access to your Account to provide you with Account Information Services their services using your My Account Myaccount credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstances. 3.7 2.6 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 2.7 If you do not wish to use Account Information Services services provided by an Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account Myaccount credentials with an Authorised Account Information Service Provider.

SCOPE OF THIS AGREEMENT. 3.1 2.1 Your Gift Card is an e-electronic money prepaid card; it Gift Card. This is not a credit, charge or debit cardcard and no interest will accrue on the Available Balance on the Gift Card. 3.2 2.2 Your Gift Card has been issued by us PrePay Technologies Limited pursuant to a licence from MastercardMastercard International Incorporated. The Card is an electronic money product and the electronic e-money associated with it this Gift Card is provided to you by us us, and will be denominated in Pounds Sterlingpounds sterling. We are PrePay Technologies Limited is authorised and regulated by the Financial Conduct Authority (FRN 900010) for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporatede-money. Your rights and obligations relating to the use of this Gift Card are subject to set out in this Agreement Agreement, which is between you and us; you . You have no rights against Mastercard International Incorporated or its their respective affiliates. If you experience any difficulties in using the Gift Card you should contact Customer Services. The Card remains our property. 3.3 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 2.3 You agree that we may communicate with you by e-mail and/or via SMS and/or App notifications via Myaccount for issuing any notices or information about your Account or Gift Card and therefore it is important that you ensure that you register your Gift Card and keep your e-mail address and mobile phone number updated via My AccountMyaccount. 3.5 2.4 If you wish to make use of services provided by an Authorised Account Information Services Service Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Account Myaccount and your Account is active. We advise that before using an Authorised Account Information Service Third Party Provider, you ensure that the Authorised Account Information Service Third Party Provider is authorised by a Regulator to provide Account Information Services. Into 3.6 2.5 If an Authorised Account Information Services Service Provider requests request access to your Account to provide you with Account Information Services their services using your My Account Myaccount credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstances. 3.7 2.6 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 2.7 If you do not wish to use Account Information Services services provided by an Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account Myaccount credentials with an Authorised Account Information Service Provider.

SCOPE OF THIS AGREEMENT. 3.1 Your Card is This Agreement applies to all initial disclosures, statements, notices, and terms and conditions relating to opening an e-money prepaid card; it is not a creditaccount or opening future accounts at First Federal. This Agreement also applies to all subsequent disclosures, charge statements, notices, and terms and conditions related to maintaining this account or debit card. 3.2 Your Card subsequent accounts until consent has been issued withdrawn by us pursuant to licence from Mastercard. The Card is an electronic money product and the electronic money associated with it is provided by us and will be in Pounds Sterling. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporatedyou. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The Card remains our property. 3.3 This Agreement is written and available only in English and consent does not mean that we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 You agree must provide documents electronically but instead that we may communicate with deliver some or all of those documents electronically. The account for which you by e-mail are applying involves various disclosures, records, and documents, including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to obtain Your consent to receive certain Agreements, Statements, and/or via SMS eDisclosures from Us in electronic form rather than in paper form. With Your consent, You will also be able to sign and authorize these Agreements and/or App notifications for issuing any notices or information about your Account or Card and therefore eDisclosures electronically, rather than on paper. Before We can engage in this transaction electronically, it is important that you ensure you keep your e-mail address You understand Your rights and mobile phone number updated via My Account. 3.5 responsibilities. Please read the following and affirm Your consent to conduct business with Us electronically. Y OUR CONSENT • Your consent to participate in this transaction electronically will apply to all Agreements, Statements, Documents and/or eDisclosures for the applicable account for which You are applying. If you wish You provide Your consent by clicking the "I agree" button at the bottom of the page, We will conduct this transaction electronically instead of providing You with the Agreements, Statements, Documents and/or disclosures in paper form. • If a Document related to make use Your account is not available in electronic form, a paper copy will be provided to You free of charge. Copies of periodic Statements may include a fee, please review our current fee schedule carefully for current information. • Conducting this transaction electronically is an Authorised Account Information Services Provider option. If You choose not to accept receipt of eDisclosures, paper Agreements, Statements, Documents and/or Disclosures will be mailed to You. You will not be required to pay a fee for receiving paper copies of the Agreements, Documents and/or Disclosures. W ITHDRAWAL OF CONSENT • You have the right to withdraw Your consent at any time. By declining or revoking Your consent to receive electronic Agreements, Documents and/or Disclosures, We will provide you You with Account Information Services on your Accountthe account documents in paper form. • If You originally consent to receive eDisclosures, you may but later decide to withdraw Your consent, You can do so provided by clicking on the "I do not agree" button, or by notifying Us either by phone, secure chat, mail: Phone: 000-000-0000 Email: a xxxx@xxxxxxxxxxx.xxx or by secure chat at h ttp://xxxxxxxxxxx.xxx Address: PO Box 000 000 X 0xx Xx, Xxxx Xxxxxxx, XX 00000 • If You originally consent to receive eDisclosures, but later withdraw Your consent You will not be required to pay a fee for withdrawing consent and receiving paper copies of any Agreements and/or disclosures. • You understand that if you decide that you have signed up would like to use My Account receive printed Statements in the mail instead of electronically, there may be a fee to receive your periodic Statements in paper form, please carefully review our fee schedule and your account disclosures for current fee information. O BTAINING PAPER COPIES • After Your consent is given, You may request from Us paper copies of Your Account is activeAgreements and or any Disclosures in paper form. We advise that before using an Authorised Account Information Service ProviderPlease send this request to Us by phone, you ensure that the Authorised Account Information Service Provider is authorised mail or secure chat: Phone: 000-000-0000 Email: a xxxx@xxxxxxxxxxx.xxx or by a Regulator to provide Account Information Services. In 3.6 secure chat at w xx.xxxxxxxxxxx.xxx Address: PO Box 000 000 X 0xx Xx, Xxxx Xxxxxxx, XX 00000 • If an Authorised Account Information Services Provider requests access to You request paper copies of your Account Agreements and/or Disclosures, You will not be required to provide you with Account Information Services using pay a fee. • If You request paper copies of your My Account credentialsperiodic Statements, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstancesthere may be a fee, please review Our current fee schedule for current information. 3.7 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 If you do not wish to use Account Information Services provided by an Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account credentials with an Authorised Account Information Service Provider.

SCOPE OF THIS AGREEMENT. 3.1 2.1 Your Gift Card is an e-electronic money prepaid card; it Gift Card. This is not a credit, charge or debit cardcard and no interest will accrue on the Available Balance on the Gift Card. 3.2 2.2 Your Gift Card has been issued by us PrePay Technologies Limited pursuant to a licence from MastercardMastercard International Incorporated. The Card is an electronic money product and the electronic e-money associated with it this Gift Card is provided to you by us us, and will be denominated in Pounds Sterlingpounds sterling. We are PrePay Technologies Limited is authorised and regulated by the Financial Conduct Authority (FRN 900010) for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporatede-money. Your rights and obligations relating to the use of this Gift Card are subject to set out in this Agreement Agreement, which is between you and us; you . You have no rights against Mastercard International Incorporated or its their respective affiliates. If you experience any difficulties in using the Gift Card you should contact Customer Services. The Card remains our property. 3.3 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 2.3 You agree that we may communicate with you by e-mail and/or via SMS and/or App notifications for issuing any notices or information about your Account or Gift Card and therefore it is important that you ensure that you register your Gift Card and keep your e-mail address and mobile phone number updated via My AccountMyaccount. 3.5 2.4 If you wish to make use of services provided by an Authorised Account Information Services Service Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Account Myaccount and your Account is active. We advise that before using an Authorised Account Information Service Third Party Provider, you ensure that the Authorised Account Information Service Third Party Provider is authorised by a Regulator to provide Account Information Services. Into 3.6 2.5 If an Authorised Account Information Services Service Provider requests request access to your Account to provide you with Account Information Services their services using your My Account Myaccount credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstances.are 3.7 2.6 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do so. 3.8 2.7 If you do not wish to use Account Information Services services provided by an Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account Myaccount credentials with an Authorised Account Information Service Provider.

SCOPE OF THIS AGREEMENT. 3.1 2.1 Your Card is an e-money prepaid card; it . This is not a credit, charge or debit card. 3.2 2.2 Your Card has been issued by us pursuant to licence from MastercardMastercard International. The Card is an electronic money product product. PrePay Technologies Limited is authorised and the electronic money associated with it is provided by us and will be in Pounds Sterling. We are regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Mastercard is a registered trademark of Mastercard International Incorporated. Your rights and obligations relating ) to the use of this Card are subject to this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The Card remains our property.issue 3.3 2.3 This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card or Account. 3.4 You agree that we may communicate with you by e-mail and/or via SMS and/or App notifications for issuing any notices or information about your Account or Card and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated via My Account. 3.5 2.4 If you wish to make use of an Authorised Account Information Services Provider to provide you with Account Information Services on your Account, you may do so provided that you have signed up to use My Account Virgin Money and your Account is active. We advise that before using an Authorised Account Information Service Provider, you ensure that the Authorised Account Information Service Provider is authorised by a Regulator to provide Account Information Services. InYou must provide your explicit consent or share your Account credentials with the Authorised Account Information Service Provider each time an access to your Account is required for them to provide you with Account Information Services. 3.6 2.5 If an Authorised Account Information Services Provider requests access to your Account to provide you with Account Information Services using your My Account credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Account Information Service Provider and can only refuse access in certain circumstances. 3.7 2.6 If we refuse to provide access to an Authorised Account Information Services Provider to your Account, we will inform you immediately after refusal to explain why, unless that would break the law or we have security reasons not to do sorefusal. 3.8 2.7 If you do not wish to use Account Information Services provided by an Authorised Account Information Service Provider on your Account, you simply refuse to provide your consent or refuse to share your My Account credentials with an Authorised Account Information Service Provider.